UMPQUA BANK INTRODUCES WILDFIRE RELIEF LENDING PROGRAM

PORTLAND, Ore. — July 28, 2014 —

Umpqua Bank, a subsidiary of Umpqua Holdings Corporation (UMPQ), has created a Wildfire Relief Lending Program to support customers in communities that have been hit hard by the devastating wildfire season occurring in Washington State and Oregon.

Available now, the program will allow Umpqua Bank customers who reside in counties under voluntary or mandatory evacuation to receive rapid access to personal loans up to $2,500. The loans are focused on helping customers take care of immediate needs for themselves and their families, including short-term living expenses, generators for power and other immediate needs. Loan approvals are subject to the Bank's minimum credit requirements.

"Communities throughout the Umpqua footprint are currently facing one of the worst wildfire seasons in recent history and we wanted to do something to help," said Ray Davis, Umpqua Bank president and CEO. "We realize that customers in Brewster, Washington and the surrounding areas have been deeply affected by the Carlton Complex fire, with some forced to evacuate with virtually no notice, and many customers in Burns, Oregon have also been seriously impacted. We've created this emergency lending program to provide quick, low-cost access to funds to support customers' immediate needs."

To learn more about the program or apply for a loan, customers can visit any Umpqua store, call 888-702-7759 or find us online at http://www.umpquabank.com/.